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* Suggested credit score ranges for credit cards are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.
Costco Anywhere Visa Card by Citi

Costco Anywhere Visa Card by Citi

Card Details
VS
Capital One Spark Cash Review

Capital One Spark Cash Review

Card Details

Compare the Features and Benefits of Costco Anywhere Visa Card by Citi and
Capital One Spark Cash Review

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
No Foreign Transaction Fees
Roadside Assistance
Secondary Car Rental CDW Waiver
Travel and Emergency Assistance Services
Extended Warranty
No Fees for Authorized Users
Costco Anywhere Visa Card by Citi
Annual Fee
$0
Avg. Min. Credit Score
800-850
Ongoing APR
18.74%-26.74% (Variable)
Balance transfers fees
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Best Multiplier
4x Gas Stations

Earn 5% cash back at Costco gas stations, 4% at other gas stations including EV charging - up to a combined maximum of $7,000 per year

3x Airfare
3x Transit
3x Car Rentals
3x Dining Out / Food Delivery
3x Hotels
2x Costco
1x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
🎁 Bonus offer
None at this time
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.25) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

This Costco-branded card earns 2% cash back at Costco. It also earns an incredible 4% cash back at gas stations including EV charging stations, both at Costco and otherwise, for the first $7,000 per year.

Additionally, it earns 3% cash back at restaurants and on travel.

** You must have a Costco membership to be eligible for this card. *

Read more
Unique Card Benefits
yes
No Foreign Transaction Fees
yes
Roadside Assistance
yes
Secondary Car Rental CDW Waiver
yes
Travel and Emergency Assistance Services
yes
Extended Warranty
no
No Fees for Authorized Users
no
Capital One Spark Cash Review
Annual Fee
$0 Introductory Annual Fee for the first year, then $95
Avg. Min. Credit Score
800-850
Ongoing APR
24.49% (Variable)
Balance transfers fees
Balance transfers are not available on Spark Cash
Best Multiplier
2x Car Rentals

5% cash back on hotels and rental cars booked through Capital One Business Travel; 2% cash back otherwise.

2x Hotels

5% cash back on hotels and rental cars booked through Capital One Business Travel; 2% cash back otherwise.

2x Everything Else
Avg. Point Value
(Learn More)
$0.01
Bonus Offer
🎁 Bonus offer

Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.25) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The Spark Cash credit card is ideal for small business owners that want a 2% cash back card with a low annual fee ($0 the first year, $95 after that) and no foreign transaction fees.

spark cash capital one
It’s a very simple card. You won’t find transferable points nor a rich suite of card benefits here, but that’s the tradeoff to avoid any sort of annual fee. You still get free employee cards.

Small business owners earn 2% cash back on all eligible purchases, and unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.

If you also have a Capital One credit card that earns Capital One miles like a  Capital One Spark Miles for Business card, or a personal Venture X, Venture, or VentureOne credit card, you can transfer your cash from the Capital One Spark Cash Select to those cards, making them Capital One Miles – transferable to airline and hotel partners. $10 = 1,000 Miles.

Unlike the Spark Cash Plus, the Spark Cash will report to your personal credit profile.

The primary other difference between this Spark Cash card, with a $95 annual fee, and the Spark Cash Plus, with a $150 annual fee, is that the Spark Cash Plus is a charge card with no preset spending limit. For higher spend businesses, the Spark Cash Plus will be a better choice, but this card will work just fine for a business that doesn’t spend enough to justify the additional $55 annual fee in exchange for the no preset spending limit (which is still not unlimited, but rather set based on your spend history).

Read more
Unique Card Benefits
yes
No Foreign Transaction Fees
yes
Roadside Assistance
yes
Secondary Car Rental CDW Waiver
no
Travel and Emergency Assistance Services
no
Extended Warranty
yes
No Fees for Authorized Users
yes

Learn more about these cards today

Costco Anywhere Visa Card by Citi

Card Details

Capital One Spark Cash Review

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